Insurance FAQs

There are many different types of treatment that are covered by insurance, depending on the specific policy. Based on the specifics of your personal plan, insurance will often cover the cost of an approved residential facility, medically monitored detox, outpatient care with a legitimate and reputable provider, medication maintenance, and follow-up counseling services/aftercare. 

HMO refers to a Health Maintenance Organization and PPO refers to a Preferred Provider Organization. Both HMO and PPO plans set up networks of providers for your health care needs. People with HMOs generally need a referral from a primary care physician for specialty treatment, whereas people with PPOs do not. HMOs typically have smaller networks, lower deductibles and co-pays, while PPOs have larger networks and higher copays and deductibles. HMOs are growing less and less common every year. Most employer-provided insurance plans are PPOs.

Having health insurance often makes the process easier, but we understand that those in the grips of active addiction often allow payments to fall by the wayside, and being uninsured is extremely common. We have numerous additional options, from self-pay and private pay to sliding scale options and partial scholarships. Simply give us a call and we will help determine which option will be the most beneficial to you. 

A deductible is the annual dollar amount you pay for health care services before your insurance benefits begin covering your costs. For example, if you have a $1,000 deductible, you pay the first $1,000 required for a service. Your insurance company pays whatever percentage of expenses specified by your plan after you pay the initial $1,000. Monthly premiums and co-pays do not count toward your annual deductible.

Insurance providers enter into contracts with groups of doctors, hospitals, urgent care facilities, and treatment centers to create a network. The basic concept of a network is that insurance companies negotiate fixed rates for specific services with a group of health care providers – your network – and encourage you to use those providers. Out-of-Network providers are any health care providers who do not have a contract with your insurance company. In-Network deductibles and co-pays are typically less expensive than Out-Of-Network deductibles and co-pays

A copay is a predetermined, fixed dollar amount you pay for a specific health care service. Your copay amount varies depending on your policy and the service you receive. For instance, if you have a $40 copay for a mental health office visit, you pay the $40 – typically at the time of service – and your insurance company pays the rest.

There are many different types of treatment that are covered by insurance, depending on the specific policy. Based on the specifics of your personal plan, insurance will often cover the cost of an approved residential facility, medically monitored detox, outpatient care with a legitimate and reputable provider, medication maintenance, and follow-up counseling services/aftercare. 

In order to confirm whether your policy will cover the cost of treatment, you can either call your healthcare provider directly, or call us with your information handy. We have extensive experience conducting insurance checks, and we can get an answer to you within a few short minutes. All of our insurance checks are no obligation and completely free of charge. 

Toggle ContentCoinsurance refers to the provisions in your plan for covering costs for a specific service after you meet your annual deductible. You’ll see numbers like 90/10, 80/20, or 70/30 in reference to coinsurance. These numbers are simple: for example, if you have an 80/20 coinsurance plan, your insurance company pays 80% of the cost for a service after you meet your deductible, and you pay 20% of the cost for that service after you meet your deductible.